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1 https://www.capitalone.com/about/newsroom/mind-over-money-survey/ 

2Must be an active participant in Vantage West’s Financial Wellness Program. Must have completed a minimum of four (4) appointments with your assigned financial coach over a six (6) month period, have an established budget with your financial coach and participate in a minimum of three (3) survey and feedback sessions related to the Financial Wellness. A minimum balance of $1000.00 must be in your account at the completion of the sixth month, with no delinquent loans or negative accounts, to be eligible. Must be 18 years of age or older to participate. Account must be in good standing at time of the dividend bonus deposit. The savings dividend bonus will be deposited to your regular share account within 30 days of completion. The account must remain open for at least 6 months after the dividend bonus is deposited. If the account is closed within the 6 months of the dividend bonus deposit, the account may be debited the amount of the bonus paid. The $250.00 is considered a bonus and is subject to IRS reporting. The participant receiving the dividend bonus is responsible for any applicable taxes. Participant must be primary on the account to qualify for the dividend bonus. Limit one (1) dividend bonus per member. The dividend bonus incentive cannot be combined with other offers outside the Financial Wellness Program.

3Must be an active participant in Vantage West’s Financial Wellness Program. Must have completed a minimum of four (4) appointments with your assigned financial coach over a six (6) month period, have an established budget with your financial coach and participate in a minimum of three (3) survey and feedback sessions related to the Financial Wellness. Must be 18 years of age or older to participate. Participant must be primary on the account of the loan funding to utilize the discount. Limit one (1) loan discount per member. Loan discount of 0.50% APR must be asked for at the time of application and is only available on the first loan funding. Loan application must be completed with a Relationship Banker at a branch to be eligible for the discount. The discount is applicable to personal loans or auto loans only. Credit cards are excluded and not eligible for the discount. Existing loans are not eligible for the discount. The loan discount cannot be combined with other offers outside the Financial Wellness Program. Financial Wellness participants are subject to standard underwriting guidelines and participation in the Program does not guarantee loan approval. Accounts must be in good standing to be eligible for the rate discount. All loans, products and services are subject to approval. Certain restrictions may apply. The Vantage West Financial Wellness Program conditions, and benefits are subject to change without notice.  Must be an active participant in Vantage West’s Financial Wellness Program. Must have completed a minimum of four (4) appointments with your assigned financial coach over a six (6) month period, have an established budget with your financial coach and participate in a minimum of three (3) survey and feedback sessions related to the Financial Wellness. Must be 18 years of age or older to participate. Participant must be primary on the account of the loan funding to utilize the discount. Limit one (1) loan discount per member. Loan discount of 0.50% APR must be asked for at the time of application and is only available on the first loan funding. Loan application must be completed with a Relationship Banker at a branch to be eligible for the discount. The discount is applicable to personal loans or auto loans only. Credit cards are excluded and not eligible for the discount. Existing loans are not eligible for the discount. The loan discount cannot be combined with other offers outside the Financial Wellness Program. Financial Wellness participants are subject to standard underwriting guidelines and participation in the Program does not guarantee loan approval. Accounts must be in good standing to be eligible for the rate discount. All loans, products and services are subject to approval. Certain restrictions may apply. The Vantage West Financial Wellness Program conditions, and benefits are subject to change without notice.